When you should use a credit repair agency.

September 22, 2009 | By Timothy Gates In Finance | by Timothy GatesI always tell people to fix their own credit and use a credit repair agency in last case. But there are times that you need to use a credit repair agency. If you credit have to many negative items or if you already tried to fix your credit on your own once without success. Now the reason for you to use a credit repair agency, is not because you can do it yourself but because a credit repair will do it in a faster manner. [more...]

Date: 2009-09-22 09:39:58

Blog posts (148) | Videos (79)
 

Credit Repair The DIY Way

Negative comments on your credit report can cost serious money. You do not have to despair though, since it is never too late to repair your credit worthiness. However, bear in mind that credit repair does not take place overnight. It takes serious dedication and perseverance to start with a clean slate again. How to Get Started : You should know who the three credit bureaux are and what they are saying about you. [more...]

Date: 2009-09-21 01:24:15

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Blocking, Tackling & Running: Leveraging a Crisis Into Real Change

There's a fairly well known cartoon of two scientists working out a problem on a chalkboard covered with complex equations and down in the circle is a little circle with the key step inserted in small print - "and then a miracle occurs". Wouldn't it be nice if we could take the same short-cut to fixing the horrendous shopping list of significant [more...]

Date: 2009-01-16 20:07:11

Essential Credit Repair You Need Know For Successful Self Credit Repair

Credit Repair The DIY Way . Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started. [more...]

Date: 2009-09-28 06:50:28

A Ph.D. In Loss

A report from Oregon Public Radio. “In the last several years high-end resort communities have sprung up across the West. But those destination resorts are suffering big time under the housing slump and credit crunch ... Boomers were looking for vacation homes. Getting credit was easy and there was a huge rush in real [more...]

Date: 2008-11-18 21:21:40

Legislation Authorizes FEMA Camps

by torofamily (Posted Sat Sep 19, 2009 5:38 am) Quote: New Legislation Authorizes FEMA Camps In U.S. Share That is to say, it authorizes the already existing network of internment camps. Paul Joseph Watson, PrisonPlanet.com January 27, 2009 A new bill introduced in Congress authorizes the Department of Homeland Security to set up a network of FEMA camp facilities to be used to house U.S. citizens in the event of a national emergency. [more...]

Date: 2009-09-19 03:38:24

Snoozer’s Jolt

The debate was a snooze that changed little. Except maybe one thing. McCain trotted out his proposal to have the government get in the corner of people with bad mortgages, and renegotiate to keep them in their houses. While the pointy-headed media types are working themselves into a lather over “that one, [more...]

Date: 2008-10-08 14:04:01

How To Avoid Credit Repair Scams And Get Your Credit Repaired Safely

Sep 18th, 2009by Steven Mueller. The FTC or Federal Trade Commission investigates consumer complaints of fraud and unfair business practices throughout the US for more than 90 years. They also inform and educate the consumer with published information on credit repair and credit repair agencies.Some credit repair agencies have been charged with making fraudulent claims and you should be aware of this. [more...]

Date: 2009-09-18 09:14:42

China Announced $586 Billion Stimulus Plan

We have gotten so large to throwing large numbers around in the US thanks to the various Fed facilities that the significance of the Chinese move ... , the official Xinhua News Agency said Sunday night. It was unclear how much the plan, which will target 10 areas from rural infrastructure to low-cost housing, represents new spending and how quickly [more...]

Date: 2008-11-09 20:39:11

1-16-09 TAR Digest

The Weekly Membership Newsletter of the Tennessee Assn. of REALTORS Guest Editor: Buzz Steele _______________________________________________________ CONTENTS 1. 2009 Documented Form Changes 2. Notables About form  “F9 Purchase and Sale Agreement” 3. Changes to the inFORM tool 4. There are ONLY 2 Residential Listing Agreements in 2009 ? [more...]

Date: 2009-01-16 00:36:02

How to File A FEMA Claim

Now that the dust is settling from Hurricane Ike, many people are trying to get back to a normal way of life ... if available. More information about housing rental resources. Repair: Money is available to homeowners to repair damage from the disaster to their primary residence that is not covered by insurance [more...]

Date: 2008-09-17 18:18:43

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

Off Label Use of HGH to Treat Tendon and Ligament Injuries Remains Illegal

Dr. Richard Rydze is a vocal advocate of the use of recombinant human growth hormone (rHGH) for the treatment of tendon and ligament injuries. Dr ... with performance-enhancing drugs and the legal restrictions on legitimate medical research by anti ... had purchased $150,000 worth of HGH and anabolic steroids from Signature Pharmacy with his credit card [more...]

Date: 2009-01-17 08:33:55

Pertinent Tidbits on Burning Mortgages and Hiring Service People

On Burning Your Mortgage As you may know I co-own an insurance agency with my son. To say we have a varied clientele is to understate the characters in our portfolio. I write this first piece based on one of them. Actually they are a couple who paid off their mortgage and were ecstatic [more...]

Date: 2008-11-07 20:53:13

First Draft Of Stimulus Package

SUMMARY: AMERICAN RECOVERY AND REINVESTMENT Action and Action Now! The economy is in a crisis not seen since the Great Depression. Credit is frozen, consumer purchasing power is in decline, in the last four months the country has lost 2 million jobs and we are expected to lose another 3 to 5 million in the next year [more...]

Date: 2009-01-15 23:03:30

GE Promises Free Inspection And Repair, Then Charges You, Then Threatens To Send You To Collections [General Electric]

Reader Zack is frustrated with General Electric because they offered to inspect and repair his washing machine as a courtesy, ... him to a collection agency. Zack writes: OK, I'll try and make this a quick summary. I called GE ... , as I thought this might just be a courtesy diagnostic to tell me the true cost of repair. No, she said [more...]

Date: 2008-08-14 17:25:43

DrumBeat: September 17, 2008

Oil spikes $6 on safe-haven buying, weak dollar NEW YORK - Oil prices shot up $6 a barrel Wednesday, rebounding as fears of a spreading crisis in the U.S. financial sector sent skittish investors scrambling out of stocks and into hard assets. The big rally at least temporarily halted crude's steep, [more...]

Date: 2008-09-17 13:50:07

How To Contact Creditors To Help With Credit Repair

Good credit has become nearly a necessity these days. Credit has become almost essential to buying a car or a home ( ... , and getting a mortgage may be impossible. It’s important to repair your credit as soon as you notice a problem because you’d be surprised at what kind of credit repair you can accomplish by being [more...]

Date: 2009-01-15 23:57:12

Apollo 7 mission taught lessons about crew conflict

Today is the 40th anniversary of the launch of Apollo 7. It's now largely forgotten, overshadowed by later Apollo's, but in its own way it was an important event. In a direct technical sense, the mission was fairly boring. Its job was to do a full in-space test of the main Apollo spacecraft in Earth orbit, [more...]

Date: 2008-10-11 13:24:11

Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... payment history and improve your ratio of debt to available credit. In sum do not wait to repair ... : For more credit repair tips or to read a review of Lexington Law a suggested credit repair service [more...]

Date: 2009-01-14 19:07:31

Credit Reports can be a Teaching Tool

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... responsibility to monitor our own credit profile, have errors changed and work to repair our credit ... ever to have excellent credit. For more information check out Rob Kosbergs’ Detailed FREE Guide [more...]

Date: 2009-01-15 21:32:08

Appraisal Fraud and Industry Standards Described in 2003 Official White Paper-RED FLAGS DESCRIBED IN DETAIL WITH EXCELLENT DIAGRAMS EXPLANATIONS AND DESCRIPTIONS OF BEST PRACTICES

loan_origination_mortgage_fraud_ffiecloan_origination_mortgage_fraud_prevention_response_nelsonRed Flags • Critical loan processing activities, such as  verification of income, employment, or deposit, is delegated to brokers. • Delegated underwriting allowed for correspondents that are new or lack an established track record with the FI [more...]

Date: 2009-01-09 15:33:10

11 July SWJ News, Op-Ed, and Events Roundup

IRAQ Turks Visit, Regional Warming Trend - Tavernese and Robertson, New York Times Turkey’s prime minister visited Baghdad on Thursday, only the second foreign head of a neighboring state to visit Iraq since the American invasion. The visit of Prime Minister Recep Tayyip Erdogan came during a flurry of announcements from Arab countries - including [more...]

Date: 2008-07-11 00:34:15

Rosenberg on Real Estate

Rosenberg on Real Estate David Rosenberg of Merrill Lynch* appeared on CNBC a few moments ago to discuss the relationship between deflation in ... of credit and economic activity in general. Rosenberg is exactly right here, as he so often ... (emphasis added in bold): The US is in the midst of a secular credit contraction and likely [more...]

Date: 2009-01-08 15:50:40

Credit Report Contents

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... to monitor his/her own credit profile, fix errors, and repair personal credit. About the Author ... ) there will be a credit inquiry to one of the bureaus. If you inquire for yourself, it will be on the report [more...]

Date: 2009-01-15 21:43:13

Lewis and Einhorn - repairing the financial world

Michael Lewis's Portfolio.com essay remains best summary to date of the Collapse of '08. Today he returns, joined by David Einhorn, with a prescription for change published in the NYT OpEd page. It's an extraordinarily long editorial, here I excerpt the key ideas. Emphases mine. The End of the Financial World as We Know It - NYTimes [more...]

Date: 2009-01-04 04:54:29

Why Your Credit Score Is So Important To Your Ability To Borrow

Your credit information may be of no use to you. If you’re not planning on buying a house or renting an apartment, buying a car, taking out a loan, paying for college or getting a new credit card, then you won’t need to worry about getting ... you are and where you need to be financially. Bad Credit To improve your credit information, you’ll need [more...]

Date: 2009-01-17 13:04:13

DrumBeat: November 29, 2008

OPEC freezes crude output quota CAIRO (AFP) – OPEC decided on Saturday to leave its oil output quota unchanged and vowed to take any action necessary to balance the market next month, the cartel's president said after a consultative meet in Cairo. "Ministers agreed to take any additional action on December 17th (in Oran, Algeria) [more...]

Date: 2008-11-29 14:01:57

How to Resolve Credit Bureau Reporting Errors

Photo courtesy of neoliminal A couple months ago my wife and I started a passive search for a new home ... it resolved through the credit bureau. Write a letter to the credit reporting agency.  In the letter ... idea to check your credit report to make sure things are being reported correctly.  Inaccuracies [more...]

Date: 2008-10-23 11:00:30

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially.  The one thing that most borrowers worry about when it comes to personal loans is the interest rate.  To lower your interest rate credit score repair greatly helps.  It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]

Date: 2009-09-29 22:33:44

Man Feels Opportunities Credit Union Screwed Him Over For $125 []

This will come as a serious blow to a number of our commenters, but we have a bad story about a credit union. Gasp, shock, horror, it's true ... Credit Union accessed the bill. Whoopsies. Here's Rick's letter to the Credit Union president, asking ... . Opportunities Credit Union of Vermont, where reader Rick has his mortgage, told Rick [more...]

Date: 2008-09-12 20:47:02

Bankruptcy Laws Make Opportunity for a Credit Repair Business

by William Blake In times past people would find themselves in huge debt and with serious credit problems and they would quickly turn to bankruptcy ... and therefore more people realize that their only solution is to repair their credit. That creates a great opportunity for credit repair businesses. Must Speak With a Credit Counselor The new law [more...]

Date: 2009-01-05 07:26:11

Credit Repair For A Better Life

by Mike Carbeck Repairing your credit is never an easy thing. But, there are several things you can do to get yourself out of debt ... changing credit laws make it especially difficult for people to restore their credit to good standing. There are also laws that make getting copies of all three of your credit reports free [more...]

Date: 2009-01-06 09:37:28

Credit Reports can be a Teaching Tool

by Rob Kosberg All of us have probably been informed that our credit report is a very important document ... on each report, locate any and all errors. It is up to each individual to monitor his/her own credit ... credit. We can obtain copies of our credit report for free, on an annual basis, from the three major [more...]

Date: 2009-01-17 15:18:02

Agency Open

Agency spreads are opening 4 basis points to 5 basis points wider in New York trading ... . They now have the nearly full faith and credit benediction of Treasury high priest Hank Paulson. Swaps represent credit exposure to the banking sector. That sector will busy itself for the foreseeable future [more...]

Date: 2008-07-16 13:25:08

Paulson Translated

After listening to and reading the text from Paulson’s speech this morning, ... at a tipping point. Credit markets were largely frozen, denying financial institutions, businesses and consumers access to vital funding and credit. He uses past tense verbs, but I’m not sure [more...]

Date: 2008-11-13 04:08:18

President Designate Obama Tells People Not to Pay Their Mortgages

Before I start, let's look at a very relevant video.. ... work with the same sense of urgency to stabilize and repair the financial system we all depend on. That means using our full arsenal of tools to get credit flowing again to families and business [more...]

Date: 2009-01-08 20:35:00

News and Commentary

Children Heavily Represented Among 917 Dead, Say Officialsby Michael Jansen - Irish Times / Common DreamsHealth officials in Gaza said yesterday that the Palestinian death toll since Israel began its offensive against the Strip on December 27th had reached 917 and the number of wounded 4,100 [more...]

Date: 2009-01-14 08:42:00

January 10 2009: Hornswoggled Absquatulation

Russell Lee Tobaccy Candy 1940 Pool hall, Shasta County, California Ilargi: The revolving doors between Washington and Wall Street are swinging like never before. Lawrence Summers and Robert Rubin are the finance powerhouses in the upcoming Obama administration. They were in the exact same place 10 years ago [more...]

Date: 2009-01-10 16:28:00

DrumBeat: January 1, 2009

Blackout fear for EU as gas row escalates Jose Manuel Barroso, the European Commission president, called on Moscow and Kiev to solve the dispute as soon as possible. While Gazprom, the Russian ... , there are fears that Germany, Italy and other customers could eventually be hit if the dispute escalates [more...]

Date: 2009-01-01 13:44:53

Gates of Vienna News Feed 11/9/2008

Don’t miss Bill Ayers’ op-ed in the Toronto Star.Also worth looking at: the “Axis of Evil” countries love Obama. Kenya is expecting a quid pro quo from its favorite son. Corzine is rumored to be in line for Treasury. And the recession hits China.Thanks to Abu Elvis, C [more...]

Date: 2008-11-10 04:33:00

Dallas, Where It's AT(&T)

what Beck Ventures is planning to do in the area. But there wasn’t one word spoken about Beck and its plans, and the meeting fell a bit flat. (Though we do believe we've cracked the Beck plans and will have more in coming ... days?) In fact, the biggest news of the meeting had nothing to do with Deep Ellum, [more...]

Date: 2008-06-27 05:28:56

Assessing Your Debt Situation

If your debt problems are behind you and you’re only concerned with cleaning up your credit report, skip ahead to Chapter 4, Cleaning Up Your Credit File. Also read Chapter 2, Avoiding Overspending. Before you jump into rebuilding your credit, take care of any financial emergencies. Then you should tally up your debt [more...]

Date: 2009-01-13 04:45:55

The Federal Trade Commission has outlined some clear guidelines

The Federal Trade Commission has outlined some clear guidelines that will assist you in choosing the credit repair service that best fits your needs. Credit counseling agencies should respect the law and never make you empty promises. Remember ... and whitewash from agencies that promise to erase your debt and completely restore your credit rating [more...]

Date: 2009-01-15 01:34:15

Climate News Roundup: June 13 - June 19, 2008

Friday, June 13, 2008 SOLAR THERMAL POWER: In Israel's Negev Desert blooms a field of 1,640 robotic mirrors that behave like sunflowers. It is the world's 'highest-performing, lowest-cost' sun-energy system. says the company testing it. Los Angeles Times, California. 13 June 2008. INTERNATIONAL: U.S [more...]

Date: 2008-06-19 20:38:00

This Is A Tsunami, And It’s Getting Worse

The Tampa Tribune reports from Florida. “Median home prices in the Tampa metropolitan area which includes Clearwater and St. Petersburg, fell to $180,800. That is more than $40,000 less than the median price in the year-ago period, $222,700, the National Association of Realtors said. The Tampa Bay area wasn’t the hardest-hit region in Florida [more...]

Date: 2008-08-16 14:35:51

Friday Digest - Vol. 09 No. 02

Friday Digest — Vol. 09 No. 0216 January 2009THE FOUNDATION"We should never despair, our Situation before has been unpromising and has changed for the better, so I trust, it will again. If new difficulties arise, we must only put forth new Exertions and proportion our Efforts to the exigency of the times [more...]

Date: 2009-01-16 17:15:00

Remove Late Payments from Your Credit Report

by Matt Douglas Late payments are not created equal; a 90 day and 120 day late pay will cause your score to be dramatically lowered ... to do this for you. The negative item will be on your report for a maximum of seven years. Your account ... this mark from your file is because they report to the bureaus monthly. Thus [more...]

Date: 2009-01-18 08:41:37

51 - 100 of 148 Posts
Page: First | < Preceding | Next >
0 | 1 | 2